First, drama much.(rapinoe, not Kayleighsbikeseat)...I suppose, if every penny coming in is immediately going out to pay a bill/loan, then the shituation could occur where the income has ceased but the bills have not. And since there are no cash reserves, there is the abuse of the term bankrupt. Broke, cashless, seemingly no hope, but bankruptcy is a legal process that will take a bit.

Another physically skilled but perhaps intellectually below average person that would appear to have zero training in finance, life planning, or monetary self control.